RENTALS
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DSCR loans
For buying a rental with a loan based on the property’s cash flow, instead of relying only on your personal income.
Financing for real estate investors
Buy more real estate.
Make more of what you own.
If you’re buying a property or pulling equity from one you already have, I’ll help you figure out the financing. First rental or a full portfolio—we’ll start with the deal in front of you.
$60M+loans funded
225+investors served
Real deals.
Real people.
Real people.
Ben Stef
Senior Loan Advisor
Senior Loan Advisor
01
Buying a property
Different deals need different loans. Here are the places I usually start.
RENOVATIONS
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Fix & flip loans
Short-term financing to buy and renovate a property, with the exit plan built into the conversation from day one.
WHEN THE DEAL FITS
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No-appraisal DSCR
Some rental loans can use a digital valuation. We'll check whether that option actually fits your property and loan size.
02
Refinancing & equity
Want to put your current properties to work? Let’s look at what you have and what you need the cash for.
RENTAL REFINANCE
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DSCR refinance
Replace the loan on a rental, or see if a cash-out refinance makes sense for your next move.
RENTAL EQUITY
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DSCR HELOC
Tap equity in a rental while keeping your first mortgage in place. LLC-held properties can be considered.
HOME EQUITY
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No-appraisal HELOC
Need to use equity in your home? A digital valuation may make the process simpler if your property qualifies.
HELOC quick start
Want to use the equity in a property you own?
Choose the link that matches how the property is titled. If you’re not sure, we can talk it through first.
Not sure which one fits? That’s normal. Tell me what you’re buying or refinancing and we’ll start there.
Let’s talk through itA note from Ben
I don’t try to fit every investor into the same loan.
Most lenders start with a checklist. I’d rather hear about the property, your numbers, and what you’re trying to do next. Then we can figure out whether DSCR, a HELOC, a fix-and-flip loan, or something else makes sense.
I’ll explain the tradeoffs in plain English. You should know what you’re getting into before you move forward.
Get to know BenHow it works
A real conversation first.
Then a plan.
Financing can get complicated. The first step doesn’t have to be.
01
Tell me about the deal
What are you buying or refinancing? What’s the timeline? What’s been getting in the way?
02
We look at the options
I’ll walk through the loan paths that fit and be clear about the numbers and tradeoffs.
03
Move when you’re ready
If the plan makes sense, my team and I help you take it through the loan process.
Investor financing quiz
Not sure which loan fits your deal?
Tell me what you’re buying or refinancing and answer a few questions about your situation. You’ll get a financing roadmap with options to look at. Then we can talk through what actually fits.
Find my loan options It’s a starting point, not a loan approval.Free investor tools
Run the numbers
before you make a move.
I put nine tools together for checking a deal, tracking a property, and seeing what equity you have. Take a look at what’s inside, then get the bundle when you’re ready.
Get the free calculator bundle Nine investor tools · Free bundleInside the bundle09 tools
Deal math · Property tracking · Equity
Learn with Ben
Want to understand the loan first?
I break these down on YouTube. Here are three good places to start.
What is a DSCR Loan? (Explained for Beginners)
For investors looking at a rental purchase or refinance.
The Complete DSCR HELOC Breakdown
What to know before tapping equity in a rental.
Don’t do another DSCR loan until you watch this (Experienced Investors)
What to look at before the next loan.
Your next move
Have a property in mind?
Let’s talk about the financing.
Send me the situation. We’ll figure out what’s possible and what makes sense for you.